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Personal-lines insurance rates were up by 4 percent in December 2012 compared to the same month in 2011, capping off a year that, as in the commercial-lines market, saw steady but small rate increases throughout, according to MarketScout.

Dallas-based MarketScout says 2012 began with rates up 2 percent in January, and premiums gradually adjusted to plus-4 percent in both November and December. 

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